Bankinter Portugal API Access & Open Banking

Bankinter operates in Portugal as a full-service bank for both retail and business clients, and open-banking.io lets you reach its account and transaction data without wrestling with eIDAS certificates or a bespoke PSD2 gateway. You link Bankinter once inside the open-banking.io dashboard, and from then on your balances and movements stay in sync — ready to view in the app or pull into your own tooling. Everything you retrieve is decrypted on your own device, because open-banking.io only ever holds your public key.

How to connect Bankinter

Connecting happens entirely in the open-banking.io dashboard — there is no endpoint to call and no key to paste.

  1. Sign up for open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device, so the private key never leaves it.
  2. In the dashboard, search for Bankinter (Portugal) and choose the account type you hold — business or personal.
  3. You are redirected to Bankinter's own secure login, where you authenticate and approve the PSD2 consent (BIC BKBKPTPLXXX). A consent can last up to 180 days before you renew it.
  4. Once approved, your Bankinter accounts sync straight back into your dashboard.

That is the whole flow — no API key, no OAuth handshake to build, no code.

Access your data

Reading Bankinter data programmatically is an optional step after the connection exists. On the Developers page, create an API key and export a credentials.json, which bundles the API key together with your private decryption key. From there:

  • Use the CLI: openbanking accounts, openbanking transactions, openbanking sync.
  • Or call the REST API / an SDK, sending your key in the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your key. The API key alone returns only ciphertext — without your private key, there is nothing readable to see. Note that the CLI and SDK only read and sync existing connections; the initial Bankinter link is always made in the dashboard.

At roughly EUR 3/month, this zero-knowledge, certificate-free approach covers 2,600+ EU and UK banks under one workflow.

FAQ

Do I need an eIDAS certificate for Bankinter?

No. open-banking.io is certificate-free — you approve access directly on Bankinter's login screen and skip the regulated certificate setup entirely.

Can open-banking.io read my Bankinter data?

No. It stores only your public key, so data is decrypted on your device alone. That is what zero-knowledge means here.

Up to every 180 days. When a consent expires, you simply re-approve it on Bankinter's login to keep syncing.

Start connecting Bankinter at https://open-banking.io.